“The traditional Surety operating model places natural constraints on scale, limiting organic net premium growth to approximately 3.5% and gross direct premium growth to around 9% - a clear barrier to unlocking full market potential.”

"40% of every insurance dollar gets burned in inefficiency.  Insurers, brokers and agents who adopt “frontier” models will disrupt the industry and outpace rivals."

Frontier organizations reimagine their core operations, cultural norms, and business models around Artificial Intelligence (AI) and agentic applications. This deep transformation enables them to unlock efficiencies, accelerate decision-making, and create entirely new value propositions that traditional approaches simply cannot deliver. By embracing AI as the foundation—not an accessory—these organizations positioned to lead in a rapidly evolving market.

"Core modernization is no longer the destination—it’s the starting point.  The opportunity now lies in orchestrating data, workflows, and AI so insurers can adapt instantly to market changes."

Many Surety professionals mistakenly believe that building their own technology gives them a competitive edge. In reality, most of these systems simply replicate traditional, manual processes—processes that would collapse without human intervention. True automation means a system that can co-pilot or independently evaluate Surety accounts and make bond decisions on its own.

"By 2026, organizations that embrace human-AI fusion will outperform those relying on AI alone by 40% in complex decision-making."

"Existing AI tools are technically capable of performing tasks worth 11.7% of total US wage value, or about $1.2 trillion annually."